Protecting Your Self-Catering Business: Insurance & T&Cs Made Simple – October 2025

This was recorded on Tuesday 14th October 2025

Running a self-catering business isn’t always straightforward – especially when it comes to the details of insurance and terms & conditions. That’s why we hosted our ASSC Autumn Fireside Chat: a relaxed, informative session designed to give you clarity, confidence, and practical advice.

Hosted by ASSC Chief Executive Fiona Campbell MBE, this interactive discussion brought together two expert guest speakers:

• Derek Nicol – Private Client Executive, Howden Insurance
• Joanna Millar – Solicitor, The Licensing Company

Together, they tackled the key challenges self-catering operators face, sharing practical do’s and don’ts, expert insights, and clear takeaways.

The Session Covered:

• The importance of terms and conditions and insurance in the self-catering industry.
• The need for clear terms to manage guest expectations and mitigate risks, including force majeure clauses.
• The increasing frequency of storm damage claims and the importance of adequate insurance.
• The necessity of guests having their own travel insurance and the risks of allowing guests to use personal items like bikes.

The discussion included practical advice on managing risks and ensuring compliance with legal and insurance requirements.

With special thanks to our Talk Sponsor